/* Smarter Daily Living — editorial, warm, accessible design system.
   Senior-friendly: 19px base, 1.7 line-height, high contrast, big tap targets. */
:root{
  --paper:#FBF8F2;       /* warm off-white background */
  --card:#ffffff;
  --ink:#23241f;         /* near-black warm */
  --muted:#5f5a4f;
  --line:#e7e1d4;
  --evergreen:#1d6b52;   /* primary brand */
  --evergreen-dk:#134b39;
  --amber:#cf831f;       /* deals / accent */
  --amber-dk:#a5650f;
  --amber-soft:#fbeed6;
  --soft:#f4efe5;
  --maxw:1140px;
  --readw:720px;
  --shadow:0 14px 40px rgba(35,36,31,.09);
  --radius:16px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{margin:0;max-width:100%;overflow-x:hidden}
[id]{scroll-margin-top:96px}
body{
  font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  font-size:19px;line-height:1.7;color:var(--ink);background:var(--paper);
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--evergreen-dk);text-underline-offset:2px}
a:hover{color:var(--amber-dk)}
h1,h2,h3,h4{font-family:Fraunces,Georgia,"Times New Roman",serif;line-height:1.18;font-weight:600;color:var(--ink);margin:0 0 .5em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:0;background:var(--evergreen);color:#fff;padding:10px 16px;border-radius:0 0 10px 0;z-index:200}
.skip:focus{left:0;color:#fff}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:9px;justify-content:center;border:0;cursor:pointer;
  font-family:inherit;font-weight:700;font-size:18px;border-radius:12px;padding:15px 26px;
  text-decoration:none;transition:.15s;min-height:52px}
.btn-primary{background:var(--evergreen);color:#fff}
.btn-primary:hover{background:var(--evergreen-dk);color:#fff;transform:translateY(-1px)}
.btn-amber{background:var(--amber);color:#fff}
.btn-amber:hover{background:var(--amber-dk);color:#fff;transform:translateY(-1px)}
.btn-ghost{background:#fff;border:1.6px solid var(--line);color:var(--ink)}
.btn-ghost:hover{border-color:var(--evergreen);color:var(--evergreen-dk)}
.btn-lg{font-size:19px;padding:17px 30px;width:100%}

/* Header */
header.site{position:sticky;top:0;z-index:100;background:rgba(251,248,242,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.site .bar{display:flex;align-items:center;justify-content:space-between;gap:14px;height:74px}
.logo{display:inline-flex;align-items:center;gap:11px}
.logo .mark{flex:none}
.logo .word{display:flex;flex-direction:column;line-height:1.02}
.logo .w1{font-family:Fraunces,serif;font-weight:700;font-size:21px;color:var(--evergreen-dk);letter-spacing:.1px}
.logo .w2{font-family:Inter,sans-serif;font-weight:600;font-size:11px;letter-spacing:3px;text-transform:uppercase;color:var(--amber-dk);margin-top:2px}
.mainnav{display:flex;align-items:center;gap:20px;flex-wrap:wrap;justify-content:flex-end}
.navlink{font-weight:600;font-size:15.5px;color:var(--muted);text-decoration:none;white-space:nowrap}
.navlink:hover,.navlink.active{color:var(--evergreen-dk)}
.navtoggle{display:none;flex-direction:column;gap:5px;background:none;border:0;padding:10px;cursor:pointer}
.navtoggle span{width:26px;height:2.6px;background:var(--ink);border-radius:2px;transition:.2s}
.drawer{display:none;flex-direction:column;gap:2px;padding:8px 22px 18px}
.drawer .navlink{padding:13px 4px;border-bottom:1px solid var(--line);font-size:18px}
@media(max-width:980px){
  .mainnav{display:none}
  .navtoggle{display:flex}
  .drawer.open{display:flex}
}

/* Hero (home) */
.hero{padding:64px 0 30px;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:
  radial-gradient(900px 320px at 92% -8%, rgba(207,131,31,.13), transparent 60%),
  radial-gradient(760px 300px at -4% 0%, rgba(29,107,82,.10), transparent 58%);pointer-events:none}
.hero .wrap{position:relative}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:13px;letter-spacing:1.6px;text-transform:uppercase;color:var(--amber-dk);background:var(--amber-soft);border:1px solid #f0dcb6;padding:7px 14px;border-radius:99px}
.hero h1{font-size:clamp(34px,5.2vw,56px);font-weight:700;margin:18px 0 14px;max-width:14ch}
.hero .lead{font-size:clamp(18px,2.2vw,22px);color:var(--muted);max-width:54ch;margin:0 0 26px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-trust{display:flex;gap:14px 26px;flex-wrap:wrap;margin-top:26px;color:var(--muted);font-size:15px;font-weight:600}
.hero-trust span{display:inline-flex;align-items:center;gap:8px}
.hero-trust svg{color:var(--evergreen)}

/* Category chips row */
.chips{display:flex;gap:12px;flex-wrap:wrap;padding:8px 0 6px}
.chip{display:inline-flex;align-items:center;gap:9px;background:#fff;border:1.4px solid var(--line);border-radius:99px;padding:10px 17px;font-weight:600;font-size:15.5px;color:var(--ink);text-decoration:none}
.chip svg{color:var(--evergreen)}
.chip:hover{border-color:var(--evergreen);color:var(--evergreen-dk);transform:translateY(-1px);transition:.15s}

/* Section heads */
.section{padding:46px 0}
.section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:16px;margin-bottom:22px;flex-wrap:wrap}
.section-head h2{font-size:clamp(26px,3.4vw,34px);margin:0}
.section-head .more{font-weight:600;font-size:15.5px}
.seclabel{font-weight:700;letter-spacing:2px;font-size:12.5px;text-transform:uppercase;color:var(--amber-dk)}

/* Featured */
.featured{display:grid;grid-template-columns:1.15fr .85fr;gap:30px;align-items:stretch}
.feat-main{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}
.feat-main .thumb{height:230px}
.feat-main .body{padding:26px 28px 28px}
.feat-main h3{font-size:clamp(24px,3vw,30px);margin:10px 0 10px}
.feat-side{display:flex;flex-direction:column;gap:18px}
@media(max-width:860px){.featured{grid-template-columns:1fr}}

/* Card grid */
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
@media(max-width:900px){.grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.grid,.grid.cols-2{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:.16s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card .thumb{height:160px}
.card .body{padding:18px 20px 22px;display:flex;flex-direction:column;gap:9px;flex:1}
.card h3{font-size:21px;margin:2px 0 0;line-height:1.22}
.card a.tlink{text-decoration:none;color:inherit}
.card a.tlink:hover h3{color:var(--evergreen-dk)}
.card .dek{color:var(--muted);font-size:16px;margin:0;display:-webkit-box;-webkit-line-clamp:3;line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.kicker{font-weight:700;font-size:12.5px;letter-spacing:1.3px;text-transform:uppercase}
.meta{margin-top:auto;color:var(--muted);font-size:14px;font-weight:500;display:flex;gap:8px;align-items:center}

/* feat-side compact card */
.mini{display:flex;gap:15px;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:14px;text-decoration:none;color:inherit;transition:.15s}
.mini:hover{border-color:var(--evergreen);transform:translateY(-2px)}
.mini .mthumb{width:74px;height:74px;border-radius:10px;flex:none}
.mini h4{font-size:17px;margin:2px 0 5px;line-height:1.25;font-family:Fraunces,serif}
.mini .meta{font-size:13px;margin:0}

/* Thumb gradient blocks (no external images) */
.thumb,.mthumb{position:relative;background:linear-gradient(135deg,var(--c1,#1d6b52),var(--c2,#134b39));display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.92)}
.thumb:after,.mthumb:after{content:"";position:absolute;inset:0;background:
  radial-gradient(120px 120px at 80% 18%, rgba(255,255,255,.16), transparent 60%);}
.thumb svg{width:52px;height:52px;opacity:.95;position:relative}
.mthumb svg{width:30px;height:30px;opacity:.95;position:relative}
.thumb img,.mthumb img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.thumb img{z-index:1}.thumb:after{z-index:2}
.article-hero{position:relative;overflow:hidden}
.article-hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}

/* Newsletter */
.news{background:linear-gradient(135deg,#143f30,#1d6b52);color:#fff;border-radius:22px;padding:42px 34px;text-align:center;margin:8px 0}
.news h2{color:#fff;font-size:clamp(26px,3.4vw,34px);margin:0 0 8px}
.news p{color:rgba(255,255,255,.86);max-width:46ch;margin:0 auto 22px}
.news form{display:flex;gap:12px;max-width:480px;margin:0 auto;flex-wrap:wrap}
.news input{flex:1;min-width:200px;padding:16px 17px;border:0;border-radius:12px;font-size:17px;font-family:inherit}
.news .fineprint{font-size:13.5px;color:rgba(255,255,255,.72);margin-top:14px}
.news .ok{margin-top:14px;font-weight:600;color:#d8f3e6}

/* Breadcrumb */
.crumb{font-size:14.5px;color:var(--muted);padding:18px 0 0}
.crumb a{color:var(--muted);text-decoration:none}
.crumb a:hover{color:var(--evergreen-dk)}

/* Article */
.article-head{max-width:var(--readw);margin:0 auto;padding:14px 0 10px}
.article-head .kicker{color:var(--amber-dk)}
.article-head h1{font-size:clamp(30px,4.4vw,46px);font-weight:700;margin:12px 0 14px}
.article-head .dek{font-size:clamp(18px,2.2vw,21px);color:var(--muted);margin:0 0 16px}
.article-head .byline{display:flex;gap:10px;align-items:center;color:var(--muted);font-size:15px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:14px 0;margin-bottom:8px}
.article-hero{max-width:980px;margin:18px auto 0;height:300px;border-radius:var(--radius)}
@media(max-width:680px){.article-hero{height:200px}}
.prose{max-width:var(--readw);margin:0 auto;padding:14px 0 10px}
.prose h2{font-size:clamp(24px,3.2vw,32px);margin:1.5em 0 .4em}
.prose h3{font-size:clamp(20px,2.5vw,24px);margin:1.3em 0 .3em}
.prose p{margin:0 0 1.05em}
.prose ul,.prose ol{margin:0 0 1.2em;padding-left:1.3em}
.prose li{margin:.4em 0}
.prose a{font-weight:600}
.prose strong{font-weight:700}
.lead-p{font-size:21px;color:#3a392f}

/* Callouts */
.callout{border-radius:14px;padding:20px 22px;margin:1.5em 0;border:1px solid var(--line)}
.callout h4{margin:0 0 .35em;font-size:19px}
.deal{background:var(--amber-soft);border-color:#f0dcb6}
.deal .tag{display:inline-block;font-weight:700;font-size:12px;letter-spacing:1.3px;text-transform:uppercase;color:var(--amber-dk);margin-bottom:6px}
.tip{background:#eaf3ee;border-color:#cfe6da}
.tip h4{color:var(--evergreen-dk)}
.pick{background:#fff;border:1.6px dashed var(--amber);}
.pick .tag{color:var(--amber-dk);font-weight:700;font-size:12px;letter-spacing:1.3px;text-transform:uppercase}
.disclosure-inline{font-size:14.5px;color:var(--muted);background:var(--soft);border:1px solid var(--line);border-radius:10px;padding:11px 14px;margin:1.2em 0}

/* Table */
.tbl{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:17px;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.tbl th,.tbl td{padding:13px 15px;text-align:left;border-bottom:1px solid var(--line)}
.tbl th{background:var(--soft);font-family:Inter,sans-serif;font-weight:700;font-size:15px}
.tbl tr:last-child td{border-bottom:0}

/* FAQ */
.faq{max-width:var(--readw);margin:0 auto;padding:8px 0 0}
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff;margin:0 0 12px;padding:4px 18px}
.faq summary{cursor:pointer;font-weight:600;font-size:18px;padding:14px 0;font-family:Fraunces,serif}
.faq details[open] summary{color:var(--evergreen-dk)}
.faq p{margin:0 0 14px;color:#3a392f}

/* Related */
.related{max-width:980px;margin:30px auto 0}

/* Category header */
.cat-head{padding:48px 0 8px}
.cat-head .cat-ico{width:60px;height:60px;border-radius:16px;display:flex;align-items:center;justify-content:center;color:#fff;margin-bottom:14px}
.cat-head h1{font-size:clamp(32px,4.6vw,46px);margin:0 0 8px}
.cat-head p{font-size:20px;color:var(--muted);max-width:60ch;margin:0}

/* Legal / prose pages */
.page-narrow{max-width:820px;margin:0 auto;padding:24px 0 20px}
.page-narrow h1{font-size:clamp(30px,4vw,42px);margin:8px 0 6px}
.page-narrow h2{font-size:24px;margin:1.4em 0 .35em}
.page-narrow .upd{color:var(--muted);font-size:15px;margin:0 0 18px}
.page-narrow ul{padding-left:1.3em}
.page-narrow li{margin:.4em 0}

/* Medicare funnel page */
.med-hero{background:linear-gradient(135deg,#10342a,#1d6b52);color:#fff;padding:40px 0 34px}
.med-hero h1{color:#fff;font-size:clamp(28px,4vw,42px);max-width:18ch}
.med-hero p{color:rgba(255,255,255,.9);font-size:19px;max-width:52ch}
.med-call{display:inline-flex;align-items:center;gap:10px;background:#fff;color:var(--evergreen-dk);font-weight:800;font-size:22px;padding:14px 24px;border-radius:12px;text-decoration:none;margin-top:8px}
.med-call small{display:block;font-size:12px;font-weight:600;color:var(--muted);letter-spacing:.4px}
.quote-card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:24px;max-width:520px}
.quote-card label{display:block;font-size:14px;font-weight:700;color:var(--muted);margin:14px 0 6px}
.quote-card input,.quote-card select{width:100%;padding:14px 15px;border:1.6px solid var(--line);border-radius:11px;font-size:17px;font-family:inherit}
.quote-card input:focus,.quote-card select:focus{outline:none;border-color:var(--evergreen);box-shadow:0 0 0 3px rgba(29,107,82,.14)}
.consent{font-size:12.5px;color:var(--muted);line-height:1.5;margin:14px 0 6px}
.med-grid{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:start}
@media(max-width:860px){.med-grid{grid-template-columns:1fr}}
.disclaimer{font-size:13px;color:var(--muted);background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:16px 18px;margin:24px 0}

/* Footer */
.site-foot{background:#15201a;color:#cdd6cf;margin-top:56px;padding:46px 0 26px}
.site-foot .logo .w1{color:#fff}
.site-foot .logo .w2{color:var(--amber)}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:30px}
.foot-brand .foot-blurb{color:#9fb0a4;font-size:15.5px;max-width:34ch;margin:14px 0 0}
.site-foot h4{color:#fff;font-size:15px;letter-spacing:.4px;font-family:Inter,sans-serif;text-transform:uppercase;margin:6px 0 12px}
.site-foot ul{list-style:none;margin:0;padding:0}
.site-foot li{margin:8px 0}
.site-foot a{color:#cdd6cf;text-decoration:none;font-size:15.5px}
.site-foot a:hover{color:var(--amber)}
.foot-fine{border-top:1px solid #2a3a30;margin-top:30px;padding-top:20px;color:#8ea295;font-size:13.5px}
.foot-fine a{color:#cfd8d0}
.foot-fine p{margin:0 0 8px;max-width:90ch}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.foot-grid{grid-template-columns:1fr}}

/* 404 */
.nf{text-align:center;padding:90px 0}
.nf h1{font-size:72px;margin:0;color:var(--evergreen)}